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SmartBiz - Business Blog

How to Determine the Right Type of Small Business Loan for Your Company

Explore Our Resources

Money Management
December 11, 2020

IRS 2553 Instructions: Everything You Need to Know

Part of the process of launching a small business includes choosing your tax status. This classification is not just a formality: it can affect your tax liabilities... Read More
Money Management
December 04, 2020

Example of Income Statement, Format and Structure

With the amount of money that regularly moves in and out of your company, you’ll need to thoroughly understand your company’s spending and earning to properly analyze... Read More
Money Management
November 04, 2020

What Is A UCC Search? What You Need To Know

While considering loans to grow your business, you’ll often have to do something fairly risky: put up some of your assets as collateral. Exposing your property to... Read More
Money Management
October 14, 2020

What Are FUTA And SUTA? Taxes Small Business Owners Have To Pay

When you pay your W-2 employees, you withhold money from their paychecks to cover their Medicare and Social Security taxes. Your company also has to pay an employer... Read More
Money Management
October 14, 2020

How and When to File Form 8832

If your small business is an LLC, you may be surprised to learn that your tax classification is only valid on the state level. Federally, the IRS classifies you as a ... Read More
Money Management
October 08, 2020

Retained Earnings Calculation: The Ultimate Guide

When your small business earns revenue, you’ll likely use that revenue to cover your business expenses. You should also keep some of this revenue on hand for other... Read More
Money Management
September 22, 2020

Interim Financial Statements: The Fundamentals

Like any good small business owner, you likely want to know how your business is performing on a regular basis. You can use interim financial statements for exactly... Read More
Money Management
September 22, 2020

Inventory To Sales Ratio: Seven Things To Know

The inventory to sales ratio, sometimes known as the inventories to sales ratio or inventory as a percentage of sales, compares the value of the items you keep in... Read More
Money Management
September 18, 2020

Customer Financing: Advantages and Disadvantages

Your business is set up and you’re ready to bring in customers. However, your potential customers are walking away (or abandoning their carts) without finalizing their... Read More

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1. We conduct a soft credit pull that will not affect your credit score. However, in processing your loan application, the lenders with whom we work will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and happens after your application is in the funding process and matched with a lender who is likely to fund your loan

2. Numbers based on internal reporting and metrics

3. Based on FY2020 SBA loans data released by the SBA for SBA 7(a) loans under $350,000

4. This calculator is a tool meant to help you estimate monthly payment amounts based on the information you enter. The monthly payment provided is an estimate meant for illustrative purposes only, loan sizes, interest rates, and loan terms vary and are determined by the applicant's credit profile.